Sports Insurance Program
[ General Liability Insurance with (Participant) Accident Medical Coverage ]
Program Description and Details

This coverage is designed for U.S. based teams, leagues, clubs, associations, camps, clinics, lessons, tournaments and events conducting youth or adult amateur sports activities.
This program includes Participant Liability coverage for the Named Insured, its employees and volunteers and athletic participants. The liability coverage protects against claims of bodily injury, property damage and the litigation costs of defending against such claims. This program also includes Accident and Medical Coverage for participants.
Covered operations include all scheduled, sanctioned, approved, organized and supervised instruction, as well as practices, try-outs, clinics, games, play-offs and tournaments. In addition, coverage extends to include related Non-Athletic Participant Events, such as registrations, meetings, award banquets and ceremonies.
Note: Sports organizations that may not be eligible for the program outlined below and/or have more complex coverage needs should contact us.
Eligible Sports/Activities:
Academics / Non-physical sports
Ineligible Sports/Activities:
Aerial Yoga
Bounce Houses and other inflatables
Bungee Jumping
Cheerleading Pyramids & Throwing
Equestrian activities / animal riding
Equestrian sports
Exotic Animals
Firearms
Gun Shows
Hang Gliding
Hot Air Balloon Rides
Hunting
Luge
Mechanical Rides
Motorized Sporting Events
Motorized vehicle racing
Mountain Biking - Downhill, Slopestyle, Freeride, Racing
Parachutes
Parasailing
Polo
Professional Sporting Activities
Rides and Games
Rock Climbing
Rock Climbing Walls
Rodeos or Roping Events
Scuba Diving
Sky Diving
Sunbeds / tanning equipment
Tobogganing
Tractor Pulls & Monster Truck Events
Trampolines
White Water Rafting
TYPICAL / STANDARD Policy Coverage(s), Limits and Requirements:
Accident & Medical Participant Protection
Maximum Medical Expense Benefit
$25k, $50k, or $100k (as per request)
Accidental Death & Dismemberment Benefit
$10,000
Deductible Amount per claim
between $250 and $5k (depending on risk assessment)
52 Week Benefit Period
Excess Coverage
Commercial General Liability
Per Occurrence
$1,000,000
General Aggregate
$3,000,000
Personal & Advertizing Injury
$1,000,000
Products - Completed operations aggregate
$1,000,000
Fire Damage (any one fire)
$300,000
Medical Expenses (any one person)
$5,000
Includes Athletic Participants
Occurrence Form Policy
This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits.
Coverage Requirements
Minimum Accident Medical coverage required
$10,000 for: Soccer, Baseball, Softball, Basketball, Cheerleading, Skateboarding, In-Line Skating & Lacrosse & any other sport
$25,000 for: Tackle Football, Hockey, Martial Arts and Rugby
Waiver & Release System
The General Liability policy requires that the insured must maintain a system to regularly secure signed Waiver and Release forms from participants. The Waiver/Liability release forms should meet all current paper and or e-waiver state requirements. For minor participants, these waiver/release forms should be signed by a parent or guardian. Unintentional error on your part in securing Waiver and Release forms will not void your coverage in the event of a claim by a participant; however, your failure to maintain an adequate system to regularly secure Waiver and Release forms will void your coverage in the event of a claim. For your protection we recommend having your waiver prepared /approved by your legal council.
Optional Additional Coverage(s) (typically available)
Excess Liability Coverage
This coverage can be purchased to effectively increase the the General Liability Per Occurrence / General Aggregate Limits, with the following Per Occurrance / General Aggregate Limit options:
 
$1,000,000 / $1,000,000
(Total Liability Coverage Amount $2M/$4M)
 
$2,000,000 / $2,000,000
(Total Liability Coverage Amount $3M/$5M)
 
$3,000,000 / $3,000,000
(Total Liability Coverage Amount $4M/$6M)
 
$4,000,000 / $4,000,000
(Total Liability Coverage Amount $5M/$7M)
 
$5,000,000 / $5,000,000
(Total Liability Coverage Amount $6M/$8M)
Hired and Non Owned Auto Liability Coverage
Provides coverage against claims of bodily injury or property damage due to an accident resulting from the use of an automobile that is either:
Hired: an "auto" the insured has leased, hired, rented or borrowed. This does not include any "auto" the insured has leased, hired, rented or borrowed from any of the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households.
or
Non-owned: an "auto" the insured does not own, lease, rent or borrow that is used in connection with the insured's business. This includes "autos" owned by the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households but only while used in the insured's business or personal affairs.
Optionally Available Coverage:
 
$1,000,000
(Combined Single Limit)
Exact wording may vary per policy.
Abuse / Molestation Liability Coverage /
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement Coverage
This endorsement covers the legal cost to defend against the accusation of Abuse or molestation against a member of your organization. Basic Abuse/Molestation coverage of $5,000 Per Occurrence / $10,000 Aggregate is (typically) included in the base General Liability coverage.
Optionally Available Higher Per Occurrence / Aggregate Limits:
 
$25,000 / $50,000
(Per Occurrence / Aggregate)
 
$50,000 / $100,000
(Per Occurrence / Aggregate)
 
$100,000 / $500,000
(Per Occurrence / Aggregate)
 
$1,000,000 / $1,000,000
(Per Occurrence / Aggregate)
 
$1,000,000 / $2,000,000
(Per Occurrence / Aggregate)
Background checks required.
Program Features
Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.
Notable* Exclusions
War, Assault & Battery, Expected or Intended Injury, Asbestos, Punitive Damages, Total Pollution, Fungi or Bacteria, Aircraft, Total Fireworks/Pyrotechnics, Employment Related Practices, Communicable Disease, Collapse of Temporary Structure, Lead, Professional Liability, Use of Trampolines, Cheerleading Pyramids over 2 and ½ persons high, Use of Saunas or Tanning Devices, Inflatable Devices (other than Kiteboarding Kites), Mechanical Rides, Fire Arms, Motor Racing Vehicles, Saddle Animals, Exotic Animals, Rock Climbing Walls, Comparative Advertising, Thrown Objects/ Persons, Medical Payment for Volunteer workers, Watercraft 51 feet in length and over
* Standard Exclusions Also Apply